Last Updated: April 3, 2020
Geographic Restrictions. The website and web-based services are intended for access and use within the United States only and comply with applicable United States privacy laws. The website and web-based services are not intended for, or directed to, citizens, domiciles or residents of the European Union. By accessing the website and web-related services, you affirm that you are not a citizen, domicile or resident of the European Union.
If you are from outside the United States, please note any information you provide may be transferred to, stored, and processed within the United States.
"Personal information" refers to "non-public information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household."
SOURCES OF PERSONAL INFORMATION COLLECTED
All of the categories of personal information we collect about you online or offline (as detailed below) come from you or your representatives, or from third parties or credit bureaus authorized by you, or from third parties who we may retain to perform services on your behalf in accordance with law and with any notice(s) to you as may be required by law.
INFORMATION WE COLLECT
We do not collect personal information from you when you visit our website unless you use the "contact us" feature(s). If you choose to contact us via email through our website, we may retain your email and email address along with any other associated information. Doing so is completely voluntary on your part, and you have the choice about whether and what information to disclose via your email.
We may collect certain personal information from you outside of our website during the course of our normal business operations if you do business with us and/or are employed by us. For example, we may collect certain personal information about you (such as, without limitation, name, email address, date of birth, banking information, credit card number, social security number, address, and phone number) directly from you at the inception of your contract relationship, to authorize debt and credit card transactions, ACH deposit or other payment method, to conduct a credit check, etc. We may also collect personal information from you or an authorized third party, such as a creditor or collection agency or background check, regarding your debts, in order to perform the services, to obtain a background check (if you have authorized us to do so) or for the purpose of collecting a debt that you owe us, either directly from you or from your representative, or from third parties authorized by you.
HOW WE USE AND SHARE YOUR INFORMATION
Combined data is collected from online and offline facilities and may be used to enhance the ability of JDM Capital Solutions to communicate with you and to support business functions, such as internal business processes, marketing, authentication, customer service, fraud prevention, and public safety and legal functions.
Service Providers. We may use third party service providers to help us operate our business or administer activities on our behalf. We may share your information with these third parties for those limited purposes only.
Legal Matters; Safety. We may, without notice to you and without your consent, access and disclose your information, any communications sent or received by you, and any other information that we may have about you as may be permitted or required by law or to prevent or investigate suspected fraud, or activity that appears to us to be illegal or may expose us to legal liability. Additionally, we may disclose your information and/or communications in situations that we believe to be: (i) emergencies involving potential threats to the physical safety of any person or property if we believe that your information in any way relates to that threat; or (ii) your conduct that we believe is inappropriate and inconsistent with generally accepted norms of behavior. Further, we may, without your consent and without notice to you, provide your information to any governmental entity pursuant to a valid request, such as in the event of a tax audit. We may, without your consent and with or without notice (as may be required by law), provide your information if requested in response to a valid subpoena or warrant or if required by other legal process. We will take all reasonable efforts to protect your privacy by, for example, seeking a protective order to limit the disclosure of your information, and/or by anonymizing your data and/or redacting all but the last four digits of your social security number, credit card number, and bank account numbers before disclosing them, where permitted.
ACCESS TO YOUR INFORMATION
If for any reason you are concerned that any information you provided to us is not correct and you wish to change it, you have the ability to review and update or correct your personal information. If you would like to do so, please contact us as set forth below. Specify the nature of your request and the information that is subject to your request.
We reserve the right not to allow access to your information or to limit your rights (e.g. if such disclosure is prohibited by law or if the rights of another individual might be violated). Please also note that despite any request for an update or change to personal information, we may need to retain certain information for recordkeeping purposes and there may also be residual information that will remain within our databases and other records, which will not be removed or changed.
COOKIES AND OTHER TRACKING TECHNOLOGIES
Each time you visit the Sites, certain information may be automatically collected. In some instances, the collected information may allow us to match activities with particular users. Examples of the type of information that may be collected are as follows:
We will also collect personal information that you voluntarily provide/input on the Sites, such as your name, e-mail address, mailing address, phone number or debit card information.
IMPORTANT DISCLOSURES, PRACTICES AND CONTACT INFORMATION
How long your personal information is retained by us. Unless we explain otherwise to you, we’ll hold information based on the following criteria: for as long as we have reasonable business needs, such as managing our relationship with you and managing our operations and productions; for as long as someone could bring a claim against us related to the information; and/or retention periods in line with legal and regulatory requirements or guidance.
Security. We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place reasonable physical, electronic and managerial procedures to safeguard and secure the information we collect. However, please be aware, no data transmission over the Internet, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. Please note that we cannot completely ensure the security of any information you transmit to us.
Children's Privacy. We do not knowingly collect or maintain personal information from persons under 13 years of age without parental consent. If you are under 13 years of age, then please do not use or access the website at any time or in any manner unless you parent or guardian has given written consent. If we learn that information of persons under 13 years of age has been collected on the website without verified parental consent, then we will take the appropriate steps to delete this information.
California Privacy Rights. If you are a California resident, the California Consumer Privacy Act ("CCPA") provides specific protections and rules with respect to California’s own definition of "Personal Information," which includes information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. The below chart provides additional detail on the categories of Personal Information we collect and the purposes for which we use Personal Information.
|Categories of Personal Information Collected||Business Purposes for Collection|
|Personal Identifiers (e.g., name, email address, date of birth, address, phone number, social security number, credit or debit card number, bank account number, or similar identifiers)||